Univest Financial Corporation (UVSP): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumerja el plan estratégico de Univest Financial Corporation (UVSP), una potencia bancaria regional dinámica que transforma los servicios financieros tradicionales a través de enfoques innovadores. Este lienzo de modelo comercial integral revela cómo UVSP aprovecha la experiencia local, la tecnología de vanguardia y las soluciones bancarias personalizadas para crear un valor único para las empresas y las personas en Pensilvania. Desde asociaciones colaborativas hasta plataformas de banca digital, el modelo de Univest demuestra una estrategia sofisticada que equilibra el servicio centrado en la comunidad con tecnología financiera moderna.

Univest Financial Corporation (UVSP) - Modelo de negocios: asociaciones clave

Bancos locales y regionales para préstamos colaborativos

A partir de 2024, Univest Financial Corporation mantiene asociaciones de préstamos estratégicos con aproximadamente 15-20 instituciones bancarias locales y regionales en Pensilvania y los estados circundantes. Estas asociaciones facilitan:

• Acuerdos de participación de préstamos
• Mecanismos de intercambio de riesgos
• Capacidades de préstamo interregional

Tipo de asociación	Número de asociaciones	Volumen total de préstamos colaborativos
Colaboraciones bancarias regionales	18	$ 425.6 millones

Proveedores de seguros para agrupación de productos financieros

Univest colabora con 7 proveedores de seguros para ofrecer productos financieros integrados, generando aproximadamente $ 12.3 millones en ingresos de venta cruzada en 2023.

Socio	Tipo de producto	Contribución anual de ingresos
Seguro nacional	Servicios financieros combinados	$ 4.5 millones
Granja estatal	Productos bancarios integrados	$ 3.8 millones

Proveedores de tecnología para soluciones de banca digital

Univest se asocia con 5 proveedores de tecnología para mejorar la infraestructura bancaria digital, invirtiendo $ 6.2 millones en asociaciones tecnológicas durante 2023.

• Jack Henry & Asociado
• Fiserv
• Servicios en la nube de Microsoft
• Salesforce
• Soluciones en la nube de IBM

Asociaciones de pequeñas empresas para servicios financieros específicos

Univest mantiene asociaciones con 12 asociaciones de pequeñas empresas, apoyando a aproximadamente 850 clientes de pequeñas empresas con servicios financieros especializados.

Asociación	Número de empresas compatibles	Apoyo financiero total
Cámara de Negocios de Pensilvania	325	$ 78.5 millones
Centros de desarrollo de negocios locales	525	$ 112.3 millones

Empresas de inversión para asociaciones de gestión de patrimonio

Univest colabora con 6 empresas de inversión, que administran aproximadamente $ 1.2 mil millones en activos de gestión de patrimonio a través de estas asociaciones.

Socio de inversión	Activos bajo administración	Duración de la asociación
Raymond James	$ 425 millones	7 años
Morgan Stanley	$ 375 millones	5 años

Univest Financial Corporation (UVSP) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir de 2024, Univest Financial Corporation proporciona a los servicios bancarios activos totales de $ 8.2 mil millones. El banco mantiene 232 oficinas bancarias en Pensilvania, atendiendo aproximadamente 225,000 cuentas de clientes.

Categoría de servicio bancario	Volumen total (2024)
Cartera de préstamos comerciales	$ 3.6 mil millones
Cartera de préstamos al consumidor	$ 1.9 mil millones
Cuentas corrientes de negocios	37,500 cuentas activas

Préstamo y origen hipotecario

Univest originó $ 425 millones en préstamos hipotecarios durante 2023, con un enfoque en el financiamiento de bienes raíces residenciales y comerciales.

• Volumen de origen de la hipoteca residencial: $ 312 millones
• Volumen de hipoteca de bienes raíces comerciales: $ 113 millones
• Tamaño promedio del préstamo hipotecario: $ 287,000

Gestión de patrimonio y asesoramiento financiero

La división de gestión de patrimonio administra $ 2.1 mil millones en activos bajo administración a partir del cuarto trimestre de 2023.

Servicio de asesoramiento	Activos totales
Gestión de patrimonio personal	$ 1.4 mil millones
Servicios de inversión institucional	$ 700 millones

Desarrollo de la plataforma de banca digital

Univest ha invertido $ 8.2 millones en infraestructura bancaria digital en 2024.

• Usuarios de banca móvil: 142,000
• Transacciones bancarias en línea por mes: 1.2 millones
• Presupuesto de actualización de la plataforma de banca digital: $ 3.5 millones

Gestión de riesgos y planificación financiera

El banco mantiene un Relación de capital de nivel 1 del 12,4% y asigna recursos significativos a estrategias de gestión de riesgos.

Métrica de gestión de riesgos	Valor 2024
Ratio de préstamo sin rendimiento	1.2%
Reserva de pérdida de préstamo	$ 42.3 millones
Presupuesto operativo de gestión de riesgos	$ 6.7 millones

Univest Financial Corporation (UVSP) - Modelo de negocio: recursos clave

Red de sucursales

A partir del cuarto trimestre de 2023, Univest Financial Corporation mantiene 88 oficinas bancarias ubicado principalmente en Pensilvania. La distribución geográfica incluye:

Región	Número de ramas
Sureste de Pensilvania	62
Pensilvania central	26

Capital humano

Cuenta total de empleados al 31 de diciembre de 2023: 678 empleados

• Empleados a tiempo completo: 612
• Empleados a tiempo parcial: 66
• Promedio de la tenencia del empleado: 7.4 años

Recursos financieros

Métricas financieras a partir del cuarto trimestre 2023:

Métrica financiera	Cantidad
Activos totales	$ 7.89 mil millones
Equidad total	$ 872 millones
Relación de capital de nivel 1	12.4%

Infraestructura tecnológica

Plataformas de banca digital e inversiones tecnológicas:

• Usuarios de aplicaciones de banca móvil: 48,237
• Plataforma bancaria en línea: integrado con los principales protocolos de ciberseguridad
• Capacidad de procesamiento de transacciones digitales: 99.98% de tiempo de actividad

Gestión de la relación con el cliente

Métricas del sistema CRM:

Métrico CRM	Valor
Cuentas totales de clientes	142,563
Tasa de retención de clientes	87.3%

Univest Financial Corporation (UVSP) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Univest Financial Corporation atiende a 15 condados en Pensilvania con 44 oficinas de banca de servicio completo. El banco proporciona soluciones financieras localizadas con activos totales de $ 8.2 mil millones y depósitos totales de $ 6.7 mil millones.

Categoría de servicio	Penetración del mercado local	Base de clientes
Banca personal	87% de la cobertura del mercado local	129,000 clientes individuales
Banca de negocios	72% del mercado comercial regional	8.500 cuentas comerciales

Servicios financieros integrales en una plataforma

Univest ofrece servicios financieros integrados en múltiples segmentos:

• Banca personal
• Banca comercial
• Gestión de patrimonio
• Servicios de seguro
• Aviso de inversión

Tasas de interés competitivas y opciones de préstamos flexibles

Producto de préstamo	Rango de tasas de interés	Volumen de préstamo promedio
Hipotecas residenciales	6.25% - 7.75%	$ 1.2 mil millones
Préstamos comerciales	7.50% - 9.25%	$ 2.3 mil millones
Préstamos personales	8.99% - 15.99%	$ 340 millones

Experiencias bancarias digitales y en persona integradas

Métricas de banca digital para 2023:

• Usuarios bancarios móviles: 87,000
• Transacciones bancarias en línea: 3.2 millones mensuales
• Tasa de apertura de cuenta digital: 42%

Asesoramiento financiero personalizado para personas y empresas

Servicio de asesoramiento	Número de asesores	Cartera promedio de clientes
Planificación financiera personal	36 Asesores certificados	$ 1.7 millones
Consultoría financiera comercial	22 asesores comerciales	$ 12.5 millones

Univest Financial Corporation (UVSP) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personales

A partir de 2024, Univest Financial Corporation mantiene 172 oficinas de banca de servicio completo en Pensilvania, atendiendo aproximadamente 215,000 cuentas de clientes. El banco emplea a 1,047 profesionales de banca de relaciones dedicados a interacciones personalizadas del cliente.

Métrica de interacción del cliente	Rendimiento anual
Calificación promedio de satisfacción del cliente	4.3/5
Tasa de retención de clientes	87.6%
Puntos de contacto anuales del cliente	342,000

Soporte bancario en línea y móvil

Univest proporciona servicios de banca digital a través de:

• Aplicación de banca móvil con 78,000 usuarios activos
• Plataforma de banca en línea que respalda el 92% de las transacciones de los clientes
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales

Compromiso del cliente centrado en la comunidad

Univest invirtió $ 1.2 millones en programas de participación comunitaria durante 2023, apoyando a 47 iniciativas de la comunidad local en sus regiones de servicio.

Gerentes de relaciones dedicadas para clientes comerciales

Segmento de clientes comerciales	Gerentes dedicados	Tamaño promedio de la cartera
Pequeño negocio	63 gerentes de relaciones	42 clientes por gerente
Mercado medio	28 gerentes de relaciones	18 clientes por gerente
Banca corporativa	12 gerentes de relaciones	8 clientes por gerente

Educación financiera regular y servicios de asesoramiento

Univest realizó 124 talleres de educación financiera en 2023, llegando a 3.750 clientes individuales y comerciales. El banco ofrece:

• Seminarios de planificación financiera gratuitas
• Seminarios web trimestrales de inversión
• Consultas de planificación de jubilación personalizada

Univest Financial Corporation (UVSP) - Modelo de negocio: canales

Red de sucursales físicas

A partir de 2024, Univest Financial Corporation mantiene 44 ubicaciones de sucursales físicas en Pensilvania, concentradas específicamente en los condados de Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery y Northampton.

Tipo de rama	Recuento total	Concentración geográfica
Ramas de servicio completo	44	Sureste de Pensilvania

Plataforma bancaria en línea

Univest ofrece servicios integrales de banca digital a través de su plataforma web, que admite aproximadamente el 85% de su base de clientes.

• Capacidades de transacción digital
• Características de gestión de cuentas
• Servicios de pago de facturas en línea
• Acceso a la declaración digital

Aplicación de banca móvil

La aplicación Mobile Univest admite más de 65,000 usuarios activos a partir de 2024, con volúmenes de transacciones mensuales superiores a 250,000 interacciones móviles.

Métricas de aplicaciones móviles	2024 estadísticas
Usuarios activos	65,000+
Transacciones mensuales	250,000+

Servicios de banca telefónica

Univest proporciona atención al cliente 24/7 a través de canales de banca telefónica dedicados, manejando aproximadamente 45,000 interacciones de clientes mensualmente.

Red de cajeros automáticos

El banco opera 78 ubicaciones de cajeros automáticos, con 62 ubicados dentro de su red de sucursales y 16 máquinas independientes externas.

Categoría de cajero automático	Recuento total	Tipo de ubicación
Cajeros automáticos de rama	62	Dentro de las ubicaciones de las ramas
Cajeros automáticos independientes	16	Ubicaciones externas

Univest Financial Corporation (UVSP) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Univest Financial Corporation atiende aproximadamente 3.750 empresas pequeñas a medianas en Pensilvania. Cartera total de préstamos comerciales para este segmento: $ 642.3 millones.

Categoría de tamaño del negocio	Número de clientes	Monto promedio del préstamo
Micro empresas (1-9 empleados)	1,875	$127,500
Pequeñas empresas (10-49 empleados)	1,425	$356,200
Empresas medianas (50-250 empleados)	450	$687,900

Clientes de banca minorista individual

Total de clientes de banca minorista: 87,600. Base de depósito para segmento minorista: $ 1.2 mil millones.

• Cuentas corrientes personales: 52,300
• Cuentas de ahorro personal: 35,300
• Edad promedio del cliente: 42 años

Profesionales de la comunidad local

Los segmentos profesionales objetivo incluyen profesionales de la salud, legal y de educación. Base de clientes profesionales totales: 6.250.

Categoría profesional	Número de clientes	Ingresos anuales promedio
Profesionales de la salud	2,750	$185,600
Profesionales legales	1,850	$212,300
Profesionales educativos	1,650	$76,500

Dueños de negocios agrícolas y rurales

Cartera de préstamos agrícolas: $ 213.7 millones. Total de clientes agrícolas: 1.200.

• Rango de tamaño de la granja: 50-500 acres
• Sectores agrícolas primarios:
  • Agricultura de lácteos: 45%
  • Producción de cultivos: 35%
  • Ganado: 20%

Clientes de gestión de patrimonio

Total de gestión de patrimonio clientes: 2,850. Activos bajo administración: $ 425.6 millones.

Categoría de patrimonio neto del cliente	Número de clientes	Valor de cartera promedio
Alto patrimonio neto ($ 1M- $ 5M)	1,250	$ 2.3 millones
Ultra alto patrimonio neto (> $ 5 millones)	350	$ 8.7 millones
Mass Affluent ($ 250k- $ 1M)	1,250	$625,000

Univest Financial Corporation (UVSP) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del informe anual de 2023, Univest Financial Corporation informó gastos de compensación de empleados totales de $ 106.3 millones.

Categoría de gastos	Monto ($)
Salarios	82,500,000
Seguro médico	9,750,000
Beneficios de jubilación	7,350,000
Otra compensación	6,700,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 totalizaron $ 18.2 millones.

• Hardware de TI: $ 4.5 millones
• Licencias de software: $ 6.3 millones
• Sistemas de ciberseguridad: $ 3.7 millones
• Infraestructura de red: $ 3.7 millones

Gastos de operación de rama

Los costos operativos relacionados con las sucursales para 2023 fueron de $ 22.6 millones.

Tipo de gasto	Monto ($)
Alquiler y servicios públicos	9,400,000
Mantenimiento	5,600,000
Equipo	4,200,000
Servicios de soporte de sucursal	3,400,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 12.5 millones.

• Consultoría legal: $ 4.2 millones
• Auditoría e informes: $ 3.8 millones
• Capacitación de cumplimiento: $ 2.5 millones
• Tarifas de presentación regulatoria: $ 2 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 fueron de $ 7.3 millones.

Canal de marketing	Gasto ($)
Marketing digital	2,900,000
Publicidad tradicional	1,800,000
Patrocinios comunitarios	1,200,000
Programas de adquisición de clientes	1,400,000

Univest Financial Corporation (UVSP) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, Univest Financial Corporation reportó ingresos por intereses totales de $ 294.3 millones. El desglose de los ingresos por intereses incluye:

Categoría	Monto ($)
Préstamos	$ 265.7 millones
Valores de inversión	$ 28.6 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario generaron $ 47.2 millones en ingresos para el año 2023, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 22.5 millones
• Tarifas de transacción: $ 15.7 millones
• Otros servicios bancarios: $ 9.0 millones

Tarifas de asesoramiento de gestión de patrimonio

Wealth Management and Advisory Services contribuyó con $ 36.8 millones al flujo de ingresos en 2023.

Tipo de servicio	Ingresos ($)
Planificación financiera	$ 18.4 millones
Aviso de inversión	$ 12.6 millones
Servicios de confianza	$ 5.8 millones

Comisiones de origen de la hipoteca

Los ingresos relacionados con la hipoteca para 2023 totalizaron $ 24.5 millones, con el siguiente desglose:

• Originaciones de hipotecas residenciales: $ 19.3 millones
• Originaciones de hipotecas comerciales: $ 5.2 millones

Cargos de transacción y mantenimiento de la cuenta

Los cargos de transacción y mantenimiento de la cuenta arrojaron $ 22.1 millones en ingresos para 2023:

Categoría de carga	Monto ($)
Correcto de tarifas de cuenta	$ 12.6 millones
Tarifas de transferencia de cables	$ 4.5 millones
Tarifas de transacción de cajeros automáticos	$ 3.2 millones
Otros cargos de transacción	$ 1.8 millones

Univest Financial Corporation (UVSP) - Canvas Business Model: Value Propositions

You're looking at how Univest Financial Corporation delivers value to its customers and shareholders as of late 2025. It's about blending deep local roots with a full suite of modern financial tools.

Comprehensive, integrated financial solutions (Bank, Wealth, Insurance) is central to the offering. Univest Financial Corporation, as of September 30, 2025, managed total assets of approximately $8.57 billion. The integrated model is clear when you look at the segment performance for the third quarter of 2025. The Banking segment reported pre-tax income of $32.5 million, while the Wealth Management segment contributed $2.1 million in pre-tax income for the same period. The corporation, which includes Univest Bank and Trust Co. and its insurance, investments, and equipment financing subsidiaries, reported total net income of $25.6 million for Q3 2025. Assets under management and supervision totaled $5.7 billion as of September 30, 2025, reflecting the scale of the Wealth Management lines of business.

Here's a quick look at the integrated financial structure based on Q3 2025 results:

Financial Metric (as of 9/30/2025)	Amount	Context
Total Assets	$8.57 billion	Reflects the scale of the combined banking and wealth operations.
Assets Under Management & Supervision	$5.7 billion	Represents the Wealth Management business scale.
Q3 2025 Banking Pre-Tax Income	$32.5 million	Income from core banking operations.
Q3 2025 Wealth Management Pre-Tax Income	$2.1 million	Income from investment and trust services.

The value proposition is deeply tied to its history. Univest Financial Corporation was founded in 1876, providing a foundation for its local, community-centric banking model. This long tenure suggests deep regional expertise and established relationships.

For shareholders, the focus is on consistent shareholder value. The company declared a quarterly cash dividend of $0.22 per share, payable on November 19, 2025. This translates to an annual dividend of $0.88 per share. The dividend payout ratio was reported at 29.20%, which is supported by the Q3 2025 net income of $0.89 diluted earnings per share. The Dividend Safety rating is listed as A+. While the outline specifies 47 years, recent data shows a track record of 33 Years of consecutive dividend payments.

The service model combines the personal touch with modern capabilities. You get personalized, high-touch service paired with robust digital tools. The company expects full-year 2025 noninterest income growth of approximately 1% to 3% off the 2024 base of $84.5 million (excluding certain items). This suggests fee-based services, which often rely on client relationships, are growing.

Expertise in lending is another key value driver. Univest Financial Corporation showed strong commercial lending activity, with commercial loan commitments increasing to $808 million as of Q3 2025, up from $659 million in the previous year. The company noted a risk to its guidance if it is unable to originate and sell SBA loans during the fourth quarter of 2025.

The core elements of the value proposition include:

• Delivering a full range of financial solutions across banking, wealth, and insurance.
• Operating with a community focus since 1876.
• Maintaining a dividend with a payout ratio of approximately 29.20%.
• Supporting commercial relationships, evidenced by $808 million in commitments.
• Achieving $0.89 diluted EPS in Q3 2025.

Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Customer Relationships

You're looking at how Univest Financial Corporation keeps its clients close, which is central to their regional strategy. For commercial and wealth clients, the approach is built around the Integrated Client Strategies (ICS) team, offering a single point of contact for personal banking, commercial banking, and real estate needs. This high-touch model aims to deliver holistic guidance from experienced advisors across the entire balance sheet. The focus on deepening relationships clearly impacts revenue; for the quarter ended March 31, 2025, investment advisory commission and fee income rose 8.1%, or $419 thousand, driven by new customer relationships. Also, service charges on deposit accounts, which often reflect treasury management usage, increased 17.3%, or $323 thousand, for the same period. This suggests clients are engaging more deeply with integrated services. It's about providing tailored solutions, not just transactions.

Here's a look at the scale of these relationship-driven activities and community investment, using the latest available figures:

Metric Category	Specific Metric	Amount/Value	Date/Period
Wealth Management Scale	Total Assets Under Management and Supervision	$5.2 billion	March 31, 2025
Transactional Scale (Proxy)	Noninterest-Bearing Deposits	$1.5 billion	June 30, 2025
Relationship Driver	Commercial Loan Growth Contribution to Total Loan Growth	$245.0 million	2024
Community Support	Total Financial Support (Committed To Local)	$2.1 million	2024
Community Engagement	Employee Volunteer Hours	16,328 hours	2024
Community Education	Students Educated	8,311	2024

The community-focused engagement is a core differentiator for Univest Financial Corporation. In 2024, the organization provided $2.1 million in total financial support through its Committed To Local philanthropic program, supporting 445 organizations financially. Furthermore, the Univest Family logged 16,328 employee volunteer hours across 397 nonprofit organizations that year. They also focused on financial literacy, educating 8,311 students during 2024. This hands-on approach reinforces local ties, which supports the broader relationship strategy.

While the high-touch model serves complex needs, daily transactions rely on self-service digital channels. Although specific UVSP digital adoption rates aren't public, the scale of deposits indicates high transactional volume. As of June 30, 2025, noninterest-bearing deposits stood at $1.5 billion, making up 22.2% of total deposits. By September 30, 2025, total deposits reached $7.21 billion, contributing to total assets of $8.57 billion. This volume necessitates efficient, accessible digital platforms for routine banking, even as the bank emphasizes personal contact for advisory services. Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Channels

You're looking at how Univest Financial Corporation gets its services to the Mid-Atlantic Region clients. It's a mix of old-school presence and digital tools, which makes sense for a bank founded way back in 1876.

Physical branch network of more than 50 offices

The physical footprint remains a key channel. As of late 2025, Univest Financial Corporation, through its main banking subsidiary, maintains a network of 51 domestic locations across 3 states for its brick-and-mortar service delivery. This network supports the delivery of services to individuals, businesses, municipalities, and nonprofit organizations. You should note that one office closure was reported in early 2025, specifically the Corporate Banking office in Moorestown, New Jersey, on February 3, 2025.

Univest Bank and Trust Co. subsidiary for core banking

The core banking function flows through the wholly-owned subsidiary, Univest Bank and Trust Co.. This entity handles the day-to-day deposit-taking and lending that forms the base of the business. As of the third quarter of 2025, the consolidated entity reported approximately $8.6 billion in assets. The Bank itself, as of June 30, 2025, held $7,914,826,000 in total assets and $6,720,067,000 in total deposits.

Here's a quick look at the scale of the operation supporting these channels as of late 2025:

Metric	Value as of Late 2025	Source Date
Total Consolidated Assets	$8.6 billion	September 30, 2025
Univest Bank and Trust Co. Total Assets	$7,914,826,000	June 30, 2025
Total Domestic Office Count (Bank)	51	November 28, 2025
Assets Under Management (Wealth Mgmt)	$5.7 billion	September 30, 2025

Wealth Management and Insurance subsidiaries for specialized services

Specialized services are distributed through dedicated subsidiaries. The Wealth Management division, which includes Girard, is a significant channel for asset gathering, reporting $5.7 billion in assets under management and supervision as of September 30, 2025. For context, this division ended 2024 with an increase of $500.0 million in assets under management and supervision from 2023. The Insurance channel operates through subsidiaries like Paul I Sheaffer Insurance Agency Inc.. Univest Insurance reported overall revenues grew 4.5% and profitability increased 14.9% year-over-year for the period ending December 31, 2024.

The specialized service delivery channels include:

• Univest Bank and Trust Co. (Parent entity for core services)
• Girard (Wealth Division)
• Girard Investment Services, LLC (Introducing broker-dealer)
• Girard Advisory Services, LLC
• Univest Insurance
• Paul I Sheaffer Insurance Agency Inc.

Online and mobile banking platforms for retail and commercial clients

Digital access is provided via the website, www.univest.net. This channel supports both retail and commercial clients for their banking needs. While specific 2025 mobile app user statistics aren't public, the focus on digital delivery is implied by the continuous online presence and the general industry shift. The bank also offered the Value Checking product, growing that portfolio by 32% year-over-year in 2024, targeting the underbanked population through its Consumer Services team.

Dedicated loan officers for mortgage and commercial production

Production of loans, a key revenue driver, is channeled through dedicated teams. The Mortgage Banking Division had a solid 2024, closing $367.8 million of residential mortgages and $68.8 million in consumer loans. This division provided financing to 545 first-time homebuyers in 2024. Commercial production is supported by roles like the Senior Executive Vice President and Chief Commercial Banking Officer, Thomas J. Jordan, IV, who is a Market President for East Penn & NJ.

Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Customer Segments

You're looking at the core groups Univest Financial Corporation serves to generate its revenue, which is quite diversified across banking, wealth, and insurance.

As of late 2025, the scale of Univest Financial Corporation's operations is substantial, with total assets reaching $8.57 billion as of September 30, 2025. The customer base is segmented to support its various service lines.

Small to mid-sized businesses (SMBs) and commercial real estate investors

This group drives a significant portion of the loan and deposit business. Commercial deposits are a key funding source, and the loan portfolio shows a clear focus on commercial real estate (CRE). For instance, in the commercial loan portfolio breakdown available from late 2024, the exposure was detailed:

Industry Description	Total Outstanding Balance (in thousands)	% of Commercial Loan Portfolio
CRE - Retail	463,882	8.6
Animal Production	393,902	7.3
CRE - Multi-family	344,169	6.4
CRE - Office	294,331	5.5
CRE - 1-4 Family Residential Investment	287,690	5.3
CRE - Industrial / Warehouse	255,232	4.7
Hotels & Motels (Accommodation)	198,815

The Banking segment, which primarily serves these commercial clients, reported pre-tax income of $32.5 million for the third quarter of 2025. Commercial deposits saw an increase during the second quarter of 2025.

Individuals and families requiring retail banking and wealth planning

This segment is served through both the core bank and the Wealth Management subsidiaries. Consumer deposits are a component of the overall funding base. The Wealth Management segment contributed pre-tax income of $2.1 million for the third quarter of 2025. Investment advisory commission and fee income, which directly relates to wealth planning clients, increased by 8.1% for the quarter ended March 31, 2025, compared to the prior year.

Key metrics related to the deposit base serving individuals and families include:

• Noninterest-bearing deposits totaled $1.5 billion as of June 30, 2025.
• These noninterest-bearing deposits represented 22.2% of total deposits on that date.
• Unprotected deposits, which are a measure of uninsured balances across client types, totaled $1.5 billion as of June 30, 2025.

Municipalities and local government entities (source of seasonal public funds)

Public funds deposits are explicitly noted as a source of funding, though they exhibit seasonality. The seasonal nature means these balances fluctuate predictably throughout the year. For example, total deposits saw a decrease of $105.9 million in the second quarter of 2025, primarily due to seasonal decreases in public funds deposits from the prior quarter. Public funds deposits also contributed to an increase of $87.3 million in total deposits when comparing June 30, 2025, to June 30, 2024.

Nonprofit organizations in the Mid-Atlantic Region

While not explicitly broken out with separate financial figures in the latest reports, nonprofits are typically included within the broader commercial or municipal/institutional banking services, often utilizing treasury management services. Service charges on deposit accounts, which can be influenced by the activity of these organizations, increased by 17.3% for the quarter ended March 31, 2025, compared to the prior year. These organizations rely on the Banking segment for operational accounts and treasury solutions. Finance: draft 13-week cash view by Friday.

Univest Financial Corporation (UVSP) - Canvas Business Model: Cost Structure

You're looking at the expense side of Univest Financial Corporation's operations as of late 2025. This is where the money goes to keep the lights on, pay the people, and manage the risk inherent in banking.

Interest expense on deposits and borrowings (primary funding cost)

This is the cost of the money Univest uses to fund its lending and investment activities. For the three months ended June 30, 2025, the total interest expense on interest-bearing liabilities (on a tax-equivalent basis) was $46,165 thousand. You should note that the Net Interest Margin (NIM) for Q2 2025 was 3.20%, which benefited from a 'reduction in our cost of funds' compared to prior periods, showing active management of this primary cost.

Compensation and benefits, the main driver of noninterest expense

Personnel costs are consistently the largest component of noninterest expense. For the quarter ended June 30, 2025, Salaries, benefits and commissions increased by $1.3 million, or 4.5%, compared to the same quarter in the prior year, driven by increases in salary, medical claims expense, and variable compensation due to profitability. To give you a sense of the trend, for the quarter ended March 31, 2025, this category actually decreased by $512 thousand, or 1.6%. The total Noninterest Expense for the three months ended June 30, 2025, was $50.3 million.

Provision for credit losses, guided to be $11 million to $13 million for 2025

This is the expense set aside to cover expected loan losses. Management guided for the full year 2025 provision for credit losses to be between $11 million and $13 million. The actual provision expense varied significantly quarter-to-quarter based on credit quality events; for instance, the provision was $5.7 million for the three months ended June 30, 2025, but dropped sharply to only $517 thousand for the three months ended September 30, 2025.

Occupancy and equipment costs for the 50+ office network

Univest Financial Corporation maintains a physical footprint consisting of 'more than 50 offices' across the Mid-Atlantic Region. While occupancy and equipment costs are bundled into the overall noninterest expense, we can see the total noninterest expense for the three months ended June 30, 2025, was $50.3 million.

Technology and data processing expenses for digital platforms

Investment in technology supports the online platform and operational efficiency. Data processing expenses, which cover technology and data processing, show the scale of this spending:

Period Ended	Data Processing Expense (Thousands)
June 30, 2025 (3 Months)	$4,408
March 31, 2025 (3 Months)	$4,146

This reflects ongoing investment, as data processing expense in 2023 had increased by 10.4%, or $1.6 million, due to technology investments.

Here's a quick look at the major components of the reported Noninterest Expense for Q2 2025 (3 months ended June 30, 2025) versus Q1 2025 (3 months ended March 31, 2025) in thousands:

• Salaries, benefits and commissions: $30,111 (Q2 2025) vs. $28,814 (Q1 2025).
• Data processing: $4,408 (Q2 2025) vs. $4,146 (Q1 2025).
• Professional fees: $1,597 (Q2 2025) vs. $1,669 (Q1 2025).
• Marketing and advertising: $498 (Q2 2025) vs. $552 (Q1 2025).

The total noninterest expense for Q2 2025 was $50.3 million, up 3.3% from the prior year's quarter.

Univest Financial Corporation (UVSP) - Canvas Business Model: Revenue Streams

You're looking at the core ways Univest Financial Corporation brings in money, which is pretty standard for a diversified regional bank, but with some nice boosts from their insurance and wealth arms. The revenue is clearly split between interest earned and fees collected.

Net Interest Income (NII) remains the biggest piece. For the third quarter of 2025, NII was reported at $61.32 million. This number reflects the difference between the interest Univest Financial Corporation earns on its assets, like loans and investments, and the interest it pays out on liabilities, such as deposits. That figure was up 15.3% year-over-year from Q3 2024, showing they are getting better yields on their assets or managing their funding costs well. The core Net Interest Margin (NIM), which excludes the temporary impact of excess liquidity from public funds, hit 3.33% for the quarter, an expansion of 9 basis points quarter-over-quarter.

Noninterest Income, the fee-based side, was $21.92 million for Q3 2025, marking an 8.8% increase from the same period last year. This growth was a key driver in the quarter's strong overall performance. Management has guided for full-year 2025 noninterest income growth to be in the 1% to 3% range off the 2024 base of $84.5 million.

Here is a look at the key components that make up that Noninterest Income, using the latest available figures that detail the Q3 2025 performance drivers:

Revenue Component	Q3 2025 Amount (Approximate/Driver)	Notes
Net Interest Income (NII)	$61.32 million	Primary revenue source from lending and investments.
Total Noninterest Income	$21.92 million	Total fee and other non-interest revenue.
Bank Owned Life Insurance (BOLI) Income	Increased by $987 thousand	Driven by death benefit claims in the quarter.
Insurance Commission and Fee Income	Increased by $230 thousand	Reflects growth in commercial line premiums.
Wealth Management Pre-Tax Income	$2.1 million	Relates to investment advisory and trust fees.
Net Gain on Mortgage Banking Activities	Decreased by $448 thousand	Due to lower salable volume.

You can see that the fee income streams are quite varied, which helps smooth out earnings when loan margins fluctuate. The specific fee-based revenue streams contributing to the total include:

• Service charges on deposit accounts and treasury management fees, which were noted as contributing to the overall service fee income increase.
• Investment advisory and wealth management fees, which are captured within the Wealth Management segment's pre-tax income of $2.1 million for the quarter.
• Insurance commissions and equipment financing revenue; the insurance portion saw a year-over-year increase of 4.4% (or $230 thousand).
• Other service fee income, which saw a significant increase of $601 thousand year-over-year for the quarter.

The equipment financing revenue is bundled within the overall fee structure, supporting the diversified non-interest income profile of Univest Financial Corporation.